Removes villages from a certain incorporation procedure for cities and
towns, increases the required number of signatures on a petition to
incorporate, and dissolves villages incorporated after August 28, 2007

Specifies that all bond proceeds, fees, and other revenues of the
Missouri Higher Education Loan Authority can only be used for lowering
rates, forgiving loans, issuing scholarships, and administration

Requires mortgage brokers to disclose whether or not they are acting
as an agent for any person they are attempting to obtain a mortgage
loan for before obtaining any personal information from the borrower

Establishes the Missouri Earned Income Tax Credit Act which authorizes
an individual income tax credit equal to 20% of any earned income tax
credit claimed by the taxpayer on his or her federal income tax return